The account that moves with you.

Designed for everyday life, so paying, spending and sending money just feels easy.

Open account
Spirit One card held on a city street
Spirit One physical card Your Spirit One card is ready!
Uber - 8.22 EUR
Explore our benefits

Send money quickly and safely

Whether you're paying a friend or moving funds abroad, it's easy to do and built to give you peace of mind.

Multicurrency accounts

Deposit, hold and use USD, EUR and other currencies in one place. Check indicative rates, switch between currencies and preview a transfer.

USD
Balance:3,750.92
EUR
Balance:5,125.17
HKD
Balance:4,780.75
GBP
Balance:2,310.40
SGD
Balance:6,420.00
CHF
Balance:1,985.30

Internal & bank transfers

Whether you're splitting lunch or paying a business partner, sending money on Spirit One is instant and easy.

s
Jessica M.
Michael B.

Currency exchange

Heading or living abroad? Discover a clear way to convert between USD, EUR and many more, all in one app.
On the rails of crypto.

USDEURGBPAEDHKDSGDBRLRUBJPY
16+ currencies

Card payments

Send money straight to a card. An easy way to pay with fewer steps. Works with Mastercard and Visa.

Spirit One card
PayPayAlipayWeChat Pay

Multicurrency accounts

Deposit, hold and use USD, EUR and other currencies in one place. Check indicative rates, switch between currencies and preview a transfer.

USD
Balance:3,750.92
EUR
Balance:5,125.17
HKD
Balance:4,780.75
GBP
Balance:2,310.40
SGD
Balance:6,420.00
CHF
Balance:1,985.30

Internal & bank transfers

Whether you're splitting lunch or paying a business partner, sending money on Spirit One is instant and easy.

s
Jessica M.
Michael B.

Currency exchange

Heading or living abroad? Discover a clear way to convert between USD, EUR and many more, all in one app.
On the rails of crypto.

USDEURGBPAEDHKDSGDBRLRUBJPY
16+ currencies

Card payments

Send money straight to a card. An easy way to pay with fewer steps. Works with Mastercard and Visa.

Spirit One card
PayPayAlipayWeChat Pay

A new chapter for Spirit One

We’re creating a simpler way to manage money, starting with a preview for our earliest users.

Spirit One is currently a test financial product. Explore a vision for multicurrency accounts, everyday cards and international transfers as we shape the experience. All balances, rates and transactions shown are illustrative. No regulated financial services are offered by this prototype.

Stay tuned for more updates!

Now live

Pay local QR codes right from Spirit One app!

Indicative mid-market rates by Exchange Rate API, updated daily.

This calculator is provided for illustrative/reference purposes only; not all currencies shown may currently be supported.

International money transfers - without all the friction

We're making international transfers simple and inclusive — with great exchange rates and money that actually arrives on time.

Money made simple

Open an account in minutes and take control of your everyday spending.

Open account

Manage your money on the go with our powerful app

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security

Your security is our top priority

Regulated financial infrastructure

compliant with European financial regulations.

Fraud checks and monitoring

Protection across every transaction.

Secure authentication

To keep your account safe from unauthorised access.

99.99%
uptime

So you're never cut off from your money.

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